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More on underinsured and uninsured coverage in Illinois

A previous post on this blog touched on underinsured and uninsured motorists coverage, which are both offered in Illinois automobile insurance policies. Although this blog has discussed these types of coverage in detail previously, a refresher may be helpful.

All insurance companies who want to provide automobile policies to Illinois drivers are required by law to offer uninsured and underinsured motorists benefits. A customer is free to decline these coverages via a signed form submitted to the person's insurance company.

Uninsured motorists coverage means exactly what the word implies; it is coverage purchased from one's own insurance company and will kick in to pay if the policyholder gets injured in a car accident caused by someone who does not have automobile liability insurance at all.

On the other hand, if the other driver has some automobile liability coverage, but not enough to fully compensate the victim for his or her injuries, then the victim can make a claim against the underinsured motorists coverage of his or her own policy. The coverage should pay for those losses and damages that exceed the liability limits of the other driver's policy.

Given that many people on the Illinois roads only buy the minimum liability coverage of $40,000 for each accident, it is easy to understand why many people think underinsured motorists coverage is a good idea. And although it is illegal to drive without insurance, there are many uninsured drivers on the Illinois roads.

In any event, people in Illinois who have purchased these types of coverage should be aware they serve as another possible source of recovery in the event they get seriously injured in a car accident.

  1. "Committed To My Cause"

    I was struck by a car while cycling and severely, almost fatally injured. A team of excellent medical professionals performed complicated and extensive surgical and medical procedures as part of a successful effort to restore my health....
    -Jeff D.

  2. "Could not have made a better choice"

    We found Mark [Mathys] through the web after an auto accident in October 2011. While selecting someone you don't know to represent you can be a gamble, we could not have made a better choice....
    - Dave

  3. "Very satisfied"

    Mark [Mathys] is very professional. He responds almost immediately, via email, to any question, comment or concern I have and if he is not able to respond right away, he will let me know. I have been very satisfied with Mark so far and I am happy to be his client.
    -Jennifer

  4. "Easy to talk to"

    Mr. Mathys and Mr. Schneid were very professional and easy to talk to. Prior to working with them, my wife and I had no real experience with the legal system beyond a house closing, yet Mr. Mathys and Mr. Schneid explained the whole process to us very well. I knew that whenever I had a concern about our case or the legal system in general I could call their office or send an email and receive answers the same day... -Larry

  5. "Provided very wise advice"

    I've dealt with attorneys on a variety of issues, almost all of them since leaving college and entering the workplace. Mr. Mathys was the first attorney I had any real experience with, and I was impressed then and remain so. He provided very wise advice and always kept me informed. In the end, he delivered a favorable result. I recommend him highly.
    - Tyler D.

  6. "In-depth knowledge of the law"

    Mark [Schneid] is an excellent and skilled attorney and demonstrated in-depth knowledge of the law when he helped settle my dog bite lawsuit resulting from a traumatic incident. He explained what was needed of me and how I should handle the situation in a professional manner.
    - Karen K.

  7. "They went to bat for me"

    Not long ago I was involved in a car accident where I was hit by a gravel truck at an intersection. After I called Mathys & Schneid, even though I didn't have a very large case, they made me feel like I was one of their most important cases. They went to bat for me with the trucking company's insurance and got me a settlement. I would definitely recommend them to my family and friends. -Dan H.

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